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And the situation does not improve much for Britain’s big four banks, which between them hold much of the credit card market. Lloyds TSB and Halifax/Bank of Scotland were third and fourth from the bottom.

Barclaycard is the most widely held card among Which? members and it scored 57 per cent.

A total of 14 per cent of people who have recently changed their main credit card provider did so because they were unhappy with the customer service, according to Which?

A further 9 per cent changed due to an increase in or introduction of an annual fee, 8 per cent due to a change in terms and conditions, and 5 per cent because of an increase in the interest rate.

It comes as Which? calls on banks to rebuild trust by putting their customers ahead of short-term profits.

Which? chief executive, Peter Vicary-Smith said: “Banks have been allowed to ride roughshod over their customers for too long. Mis-selling, poor products and unsuitable financial advice have become the cornerstone of the banking culture and this must change.”

A spokesman for Virgin Money said: "Virgin Money is very proud of its credit card operations and continues to strive to offer customers a card with competitive rates and excellent service."

A spokesman for MBNA said: "Although we recognise Which? is trusted by its members and subscribers, the perspective presented can often be rather restricted and polarised. This research, taken from very small samples, is certainly not representative of either our own customer feedback or other more detailed, established and respected customer satisfaction research published by independent organisations.”